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235 W 120th St APT 1, New York, NY, 10027

4beds
4baths
4,000sqft
$2,500,000
$625price/sqft
$16,202/moest. monthly cost
$648,080/yrincome needed

About This Home

Nestled between single-family brownstone homes, 235 West 120th Street presents all the brownstone character of Harlem, on a beautiful brownstone block, with interiors styled for modern living. 235 West 120th Street includes soaring 12-foot ceilings on the parlor floor, a private entrance with full patio and garden on the first level, a private terrace on the third floor, and a spacious, sun-filled fourth floor. Wide-plank hardwood floors are throughout the building, as well as extra-large double-pane windows, modern finishes, and central heating and air conditioning. Currently configured as four loft-like, full-floor homes, it invites imagination. A solid investment property in its current multi-family configuration. It is also a perfect property if you’d like to enjoy Brownstone living, while owning your own income-producing building to create a brownstone home of your own that enjoys both short and long-term investment benefits. Already sizeable, at more than 4,000 sq ft, there are expansion opportunities: adding a roofdeck with an additional floor suits your appreciation for skyline views, adding a recreation room for family space within the existing plan, or expanding the footprint with an extension on the large 1,700 sq ft lot. The building is also perfectly suited for co-op or condo conversion, with each unit already independently metered for both gas and electric. The building is outfitted with four rooftop well maintained HVAC units, an interior fire sprinkler system, and modern plumbing and electrical throughout. The basement currently includes four private storage units as well as laundry area. At the intersection of St. Nicholas Avenue and Adam Clayton Powell, 235 West 120th is nearby Morningside Park dog runs, multiple express subway lines, and surrounded by the exciting restaurants and atmosphere that make this part of Harlem everyone’s dream location.

Getting Around

98
WalkingWalker's Paradise
100
TransitRider's Paradise
84
BikeVery Bikeable

Construction

Condition

  • Year built: 1910

Materials

  • Roof: Roof Rights

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Dishwasher,Washer/Dryer

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Cooling

  • Cooling features: Central Air

Features

  • Flooring: Hardwood

Interior Area

  • Total structure area: 4,000
  • Total interior livable area: 4,000 sqft

Property

Details

  • Special condition: Resale

Features

  • Patio & porch: Other,Deck,Terrace
  • Exterior features: Courtyard,Private Roof Deck,Terrace
  • Has view: Yes
  • View description: City,Garden,Skyline

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Heat Wave
    Heat WaveRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Cold Wave
Inland Flooding
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in New York County and New York

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $12,641$151,692
Home Insurance *$1,421$17,052
Property Taxes $1,479$17,748
Electricity $661$7,932
Total$16,202$194,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$555,497/yr
40% on housing$486,060/yr
45% on housing$432,053/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 2.0%
2.0%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$625This listing

vs Other Active Listings

Avg $/sqft

ZIP 10027$604
New York County$1,489

vs Homes Sold Last Month

Median $/sqft

ZIP 10027$620
New York County$1,203

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2025-03-07Listed for sale$2,500,000

For Sale by Agent

AgentTodd Stevens
BrokerageReal Broker NY LLC

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